If you own a business in West Virginia, the state dictates which types of commercial insurance that you must carry. There are two types that the state mandates, and there are other types that are often recommended to business owners but are not mandatory. If you need commercial insurance for your business, contact us at Curtis Miller Insurance in Parkersburg, WV to talk to an agent about your business and its needs.

Workers’ Compensation

This is a type of commercial insurance that is required of all businesses that have at least one employee. You may have just one worker who is part-time, but you will still have to take out an insurance policy for that employee. This coverage type protects your business and yourself as well as the person who was injured or became sick. With this policy, a work-related injury or illness that comes with medical bills will have those bills paid up to your policy’s maximum. This keeps both you and your business from having to pay for these medical expenses. This type of insurance can allow your business to continue even after a serious injury or death.

Auto Insurance

If your West Virginia business owns a vehicle, it must be covered by a commercial auto insurance policy. This coverage must have a specific minimum of coverage for each person’s bodily injury liability as well as an amount for the bodily injury liability of the entire accident. You must also have coverage of a specific amount for property damage liability for each accident as well as a specific amount of coverage for one injured person who is an uninsured motorist. 

Insure Your Business

If you don’t have your required commercial insurance policies, or you want to change to a different carrier, contact us at Curtis Miller Insurance in Parkersburg, WV to talk with an agent.